Lexus IS 250 Insurance Rates

Estimated auto insurance rates for a Lexus IS 250 are $1,502 annually for full coverage. Comprehensive costs on average $362 a year, collision costs $688, and liability costs $316. A liability-only policy costs as little as $376 a year, with high-risk insurance costing around $3,252. Teens pay the most at $5,366 a year or more.

Average premium for full coverage: $1,502

Premium estimates by type of coverage:

Rates are based on $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and IS 250 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have fewer accident claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences show why it is important to compare rates based on a specific location and their own personal driving habits, instead of using averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows estimated Lexus IS 250 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $844
• Drivers who choose higher $1,000 deductibles will pay around $1,264 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,502
• Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,966
• Higher-risk drivers with serious driving violations could pay upwards of $3,252 or more
• An auto insurance policy with full coverage for a teen driver may cost $5,366 a year

Auto insurance prices for a Lexus IS 250 also have a wide range based on the model of your IS 250, your driver profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,800 to $2,400 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $710 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $335 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Lexus IS 250 insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,140 on average in Michigan, Louisiana, and New York.

With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Every company calculates prices differently, and quoted prices will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2026 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy the Best Cheap Lexus IS 250 Insurance

Finding better rates on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and taking advantage of discounts. Set aside time to compare rates at least every other year by quoting rates from direct carriers, and also from local insurance agents.

The following is a quick review of the car insurance concepts covered above.

• Higher risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,750 more each year for IS 250 insurance
• Drivers can save as much as $190 per year simply by quoting early and online
• Increasing policy deductibles could save up to $700 each year
• Policyholders who require higher liability limits will pay approximately $350 each year to go from 30/60 bodily injury limits to higher 250/500 limits